农村信用社依法收贷过程中的举证难的问题,本质上是诉讼难的问题。原因是多方面的,包括信贷手续不合规不合法、信贷人员素质偏低、忽视对贷款的后续追踪、信用社内部管理不合理收贷不及时以及行政干预违规操作等。出路在于统一信用社信贷的操作规则、加强对信贷人员的素质培训、与政府法院等部门协调配合等。 The difficulty of giving evidence in the course of collecting and lending by law in rural credit cooperatives is essentially a matter of lawsuit difficulty. There are many reasons, including irregularities in credit procedures, low credit quality, neglect of follow-up of loans, improper loan collection and lending in internal management of credit unions, and irregularities in administrative intervention. Way out lies in the unified credit cooperative credit rules of operation, strengthen the quality of credit officers training, coordination and cooperation with government courts and other departments.